NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

Deposit Account
Loan Account
Credit Card
Safe Deposit Box
Self-directed Individual Retirement Account where we act as custodian or trustee
Financial, investment, or economic advisory services (for a fee)

We first define some terms:
We, our, us means The Peoples State Bank of Newton.

NONPUBLIC PERSONAL INFORMATION means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An AFFILIATE is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or control us. Ownership does not mean complete ownership, but means owning enough to have control.

A NONAFFILIATED third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

INFORMATION THAT WE DISCLOSE

We may disclose your nonpublic personal information to nonaffiliated third parties with whom we have contractual relationships that allow us to provide products or services in which you have expressed an interest.

We may disclose nonpublic personal information collected from the sources listed above.

We do not disclose any nonpublic personal information about our customers for marketing purposes except as permitted by law, as described below.

To a financial institution with which we have a joint marketing agreement.
We do not disclose nonpublic personal information about former customers, except as permitted by law.

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

THE CONFIDENTIALITY,
SECURITY AND INTEGRITY
OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THRID PARTIES

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS<